Privacy

We take your privacy very seriously and we ask that you read this privacy notice carefully as it contains important information on who we are, how and why we collect, store, use and share personal data, your rights in relation to your personal data and on how to contact us and supervisory authorities in the event you have a complaint.

Italicised words in this privacy notice have the meaning set out in the Glossary of Terms at the end of this document.

Who we are

Edison Ford & Company Limited (Trading as Edison Ford Property Finance) collects, uses and is responsible for certain personal data about you. When we do so we are required to comply with data protection regulation and we are responsible as a data controller of that personal data for the purposes of those laws.

When we mention "Edison Ford Property Finance "we", "us" or "our" we are referring to Edison Ford & Company Ltd.

Edison Ford & Company Limited is a company registered in England and Wales (company number 4063378) whose registered office is at 21 Station Road, Yate, Bristol, BS37 5HT. Edison Ford & Company Limited is authorised and regulated by the Financial Conduct Authority. Edison Ford & Company Limited Financial Services Register number is 302167.

We provide you with advice, recommendation and arrange such property finance and/or personal protection insurance cover.

The personal data we collect and use

In the course of providing our service to you we may collect the following personal data when you provide it to us:

  • contact information
  • identity information
  • financial information
  • employment status
  • lifestyle information
  • health information
  • data about criminal convictions or offences
  • details of any vulnerability
  • details of your dependents and/or beneficiaries under a policy (If you are providing information about another person we expect you to ensure that they know you are doing so and are content with their information being provided to us. You might find it helpful to show them this privacy notice and if they have any concerns please contact us in one of the ways described below.)
  • product details

Information collected from other sources

We also obtain personal data from other sources in the course of providing our intermediary services. Where we obtain this information from another party it is their responsibility to make sure they explain that they will be sharing personal data with us and, where necessary, ask permission before sharing information with us.

The personal data we obtain from other sources may include the following:

  • From lenders and/or product providers:
    • product details
  • From identification and verification checking agencies:
    • identity information
    • sanction check information

How we use your personal data

The below table sets out:

  • how we use your personal data
  • the lawful bases upon which we collect and use your personal data
  • who we routinely share your personal data with

Rationale/Reason for Processing

Lawful Basis for Processing

Third party recipients linked to that activity

To provide you with intermediary services

Performance of a contract

 

To apply for decisions in principle for mortgage products and/or quotations for personal protection and/or general insurance products on your behalf
To apply for products on your behalf

Performance of a contract

Lenders /product providers/Edison Ford General Insurance Brokers Ltd

To refer you to third party advisers to provide you with advice in relation to mortgage products and/or personal protection and/or general insurance

Consent

Lenders/product providers/Edison Ford General Insurance Brokers Ltd

To retain records of any services or advice provided to you by us in order to defend potential legal claims or complaints

Legitimate interest

External supplier(s) of data storage and data hosting services to retain records on our behalf

To provide you with details of products and services from us and third parties that may be of interest to you in accordance with your preferences. For more information see ‘Marketing’ below

Consent

 

Special category data

Certain types of personal data are considered more sensitive and so are subject to additional levels of protection under data protection legislation. These are known as ‘special categories of data’ and include data concerning your health, racial or ethnic origin, genetic data and sexual orientation. Data relating to criminal convictions or offences is also subject to additional levels of protection.

We may process:

  • health information and lifestyle information when providing intermediary services in relation to a protection insurance product; and/or
  • criminal conviction or offence information when providing intermediary services in relation to a general insurance product

In addition to the lawful basis for processing this information set out in the above table, we will be processing it either (i) for the purpose of advising on, arranging or administering an insurance contract or (ii) for the establishment, exercise or defence of legal claims.

In the course of our activities relating to the prevention, detection and investigation of financial crime, we may process criminal conviction or offence information. Where we do so, in addition to the lawful basis for processing this information set out in the above table, we will be processing it for the purpose of compliance with regulatory requirements relating to unlawful acts and dishonesty.

Marketing

We may use personal data we hold about you to help us identify, tailor and provide you with details of products and services from us that may be of interest to you. We will only do so where we have obtained your consent and then have a legitimate business reason to do this and will do so in accordance with any marketing preferences you have provided to us.

In addition, where you provided your consent, we may provide you with details of products and services of third parties where they may be of interest to you.

You can opt out of receiving marketing at any time. If you wish to amend your marketing preferences please contact us:

By phone: 01454 322299
By email: privacy@edisonfordproperty.co.uk
By Post:  21 Station Road, Yate, Bristol, BS37 5HT
In addition, you can opt out of receiving marketing at any time by clicking the 'unsubscribe' link at the bottom of every email.

Whether information has to be provided by you, and if so why

We will tell you if providing some personal data is optional, including if we ask for your consent to process it. In all other cases you must provide your personal data in order for us to provide you with intermediary services.

How long your personal data will be kept

We will keep information for a reasonable amount of time in order to provide our intermediary services. We only keep your information for as long as necessary in order to comply with our legal obligation or where we need to use your personal data to establish, exercise or defend legal claims. 

Keeping your personal data secure

We have appropriate security measures in place to prevent personal data from being accidentally lost, or used or accessed in an unauthorised way. We limit access to your personal data to those who have a genuine business need to know it. Those processing your information will do so only in an authorised manner and are subject to a duty of confidentiality.

We also have procedures in place to deal with any suspected data security breach. We will notify you and any applicable regulator of a suspected data security breach where we are legally required to do so.

If you are sending information, including financial information, health information, identity information and/or lifestyle information via email, please note that it is at your own risk as whilst we do our upmost to secure our own systems, emails can be intercepted.

The security of your personal information is very important to us and we committed to protecting the information we collect. We maintain administrative, technical and physical safe guards designed to protect the personal information you provide or we collect against accidental, unlawful or unauthorised destruction, loss, alteration, access, disclosure or use. We use SSL encryption on all of our websites from which we transfer certain personal information and we have heavily invested in our office computer network to ensure it is secure and is to the standard set out by IT Governance Cyber Essentials.

You have a right to ask us for more information about the safeguards we have put in place as mentioned above. To learn more, please see ‘Your rights’ below.

Your rights

You have legal rights under data protection regulation in relation to your personal data. These are set out under the below headings:

  • To access personal data
  • To correct / erase personal data
  • To restrict how we use personal data
  • To object to how we use personal data
  • To ask us to transfer personal data to another organisation
  • To object to automated decisions
  • To find out more about how we use personal data

We may ask you for proof of identity when making a request to exercise any of these rights. We do this to ensure we only disclose information or change your details where we know we are dealing with the right individual.

We will not ask for a fee, unless we think your request is unfounded, repetitive or excessive.  Where a fee is necessary, we will inform you before proceeding with your request.

We aim to respond to all valid requests within one month. It may however take us longer if the request is particularly complicated or you have made several requests.  We will always let you know if we think a response will take longer than one month. To speed up our response, we may ask you to provide more detail about what you want to receive or are concerned about. 

We may not always be able to fully address your request, for example if it would impact the duty of confidentiality we owe to others, or if we are otherwise legally entitled to deal with the request in a different way.

To access personal data

You can ask us to confirm whether or not we have and are using your personal data. You can also ask to get a copy of your personal data from us and for information on how we process it.

To rectify / erase personal data

You can ask that we rectify any information about you which is incorrect. We will be happy to rectify such information but would need to verify the accuracy of the information first.

You can ask that we erase your personal data if you think we no longer need to use it for the purpose we collected it from you.

You can also ask that we erase your personal data if you have either withdrawn your consent to us using your information (if we originally asked for your consent to use your information), or exercised your right to object to further legitimate use of your information, or where we have used it unlawfully or where we are subject to a legal obligation to erase your personal data.

We may not always be able to comply with your request, for example where we need to keep using your personal data in order to comply with our legal obligation or where we need to use your personal data to establish, exercise or defend legal claims. 

To restrict our use of personal data

You can ask that we restrict our use of your personal data in certain circumstances, for example

  • where you think the information is inaccurate and we need to verify it;
  • where our use of your personal data is not lawful but you do not want us to erase it;
  • where the information is no longer required for the purposes for which it was collected but we need it to establish, exercise or defend legal claims; or
  • where you have objected to our use of your personal data but we still need to verify if we have overriding grounds to use it.

We can continue to use your personal data following a request for restriction where we have your consent to use it; or we need to use it to establish, exercise or defend legal claims, or we need to use it to protect the rights of another individual or a company.

To object to use of personal data

You can object to any use of your personal data which we have justified on the basis of our legitimate interest, if you believe your fundamental rights and freedoms to data protection outweigh our legitimate interest in using the information. If you raise an objection, we may continue to use the personal data if we can demonstrate that we have compelling legitimate interests to use the information.

To request a transfer of personal data

You can ask us to provide your personal data to you in a structured, commonly used, machine-readable format, or you can ask to have it transferred directly to another data controller (e.g. another company).

You may only exercise this right where we use your personal data in order to perform a contract with you, or where we asked for your consent to use your personal data. This right does not apply to any personal data which we hold or process outside automated means.

To contest decisions based on automatic decision making

If we made a decision about you based solely by automated means (i.e. with no human intervention), and the decision made by us produces a legal effect concerning you, or significantly affects you, you may have the right to contest that decision, express your point of view and ask for a human review. These rights do not apply where we are authorised by law to make such decisions and have adopted suitable safeguards in our decision making processes to protect your rights and freedoms.

You can contact us for more information

If you are not satisfied with the level of information provided in this privacy notice, you can ask us about what personal data we have about you, what we use your information for, who we disclose your information to, whether we transfer it abroad, how we protect it, how long we keep it for, what rights you have, how you can make a complaint, where we got your data from and whether we have carried out any automated decision making using your personal data.

If you would like to exercise any of the above rights, please:

  • email or write to our Data Protection Officer (Mr M Ford) at privacy@edisonfordproperty.co.uk or 21 Station Road, Yate, Bristol, BS37 5HT
  • let us have enough information to identify you, e.g. name, address, date of birth;
  • let us have proof of your identity and address (a copy of your driving licence or passport and a recent utility or credit card bill); and
  • let us know the information to which your request relates.

Cookies

Cookies are text files placed on your computer to collect standard internet log information and visitor behaviour information. We do not use it to collect any personal information without your consent. You can find more information on how our website uses cookies by reading our Cookie Policy.

Our supervisory authority

If you are not happy with the way we are handling your information, you have a right to lodge a complaint with the Information Commissioners Office. It has enforcement powers and can investigate compliance with data protection regulation (www.ico.org.uk).

We ask that you please attempt to resolve any issues with us before the ICO.

How to contact us

Please contact our Data Protection Officer (Mr M Ford) if you have any questions about this privacy notice or the information we hold about you.

If you wish to contact our Data Protection Officer (Mr M Ford) /Data Privacy Manager please send an email to privacy@edisonfordproperty.co.uk  or write to 21 Station Road, Yate, Bristol, BS37 5HT.

Updating this privacy statement

We will update this statement from time to time so we suggest that you review this statement at regular intervals.

Last updated: May 2018

Glossary of Terms

we, us or our

Edison Ford & Company Ltd, trading as Edison Ford Property Finance a company registered in (England and Wales)  (company number 4063378) and having its registered office at 21 Station Road, Yate, Bristol, BS37 5HT

contact information

these are details that can be used to contact a person, including title, first name, surname, personal telephone number, fax, email address, home address, country, postcode or city of residence. This may also include work contact information such as work telephone number, fax, work email and work address

data controller

means a natural or legal person (such as a company) which determines the means and purposes of processing of personal data. For example, we are your data controller as we determine how we will collect personal data from you, the scope of data which will be collected, and the purposes for which it will be used in the course of us providing you with intermediary services

data protection regulation

applicable data privacy and protection laws

employment status

this is information about your work, if you are employed, self-employed, unemployed, a student or on job seeker allowance

FCA

the Financial Conduct Authority, being the independent watchdog that regulates financial services

financial information

this is information relating to your financial status, including salary/income, outgoings/expenditure, tax rate and P60

health information

this is information relating to your medical history, including symptoms, diagnoses, procedures and outcomes, as well as information about your height and weight. This could include previous and current or persistent medical conditions and family medical history

identity information

this is any information that can be used to distinguish a person or verify their identity, such as name, date of birth, place of birth, gender, marital status, national identity card/number, passport, drivers licence and national insurance number

intermediary services

these are the services we provide to you in relation to the products, which may include:

·        mortgage products

·        personal protection policies

·        general insurance

lenders

a mortgage lender (for a list of current lenders which we work with, please contact us – see How to contact us above)

lifestyle information

this includes both work and leisure behaviour patterns. Most relevant to your products may be your smoker status, alcohol consumption, health, retirement age and exercise habits

Product(s)

this is a mortgage, protection and/or general insurance product  in respect of which we provide intermediary services to you

product provider

a company which provides investment, pension, protection and/or general insurance products (for a list of product providers which we work with, please contact us – see How to contact us above)

sanction check information

this is information relating to your politically exposed persons (PEPs) status and Her Majesty’s Treasury financial sanctions status, which is recorded to prevent fraud and money laundering 

vulnerability

a vulnerable consumer is someone who, due to their personal circumstances, is especially susceptible to detriment, particularly when an advisory firm is not acting with appropriate levels of care.  These customers are more likely to suffer severe detriment if something goes wrong. Details of vulnerability fall in to the following categories: health; resilience (financial); life events; and capability (financial knowledge/ confidence)